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Today is our 27th day of the 30 days to a debt free Christmas challenge, and I thought it would be fitting to do a video instead of a written post.

Today's question is answered – HOW TO STOP THE GIFT EXCHANGE.

Here is the question:

“Something that we struggle with is getting our families to stop the gift exchange. They inevitably buy us things we don't want and can't use because “It's Christmas!” We buy them things they don't need, or exchange $50 bills. It seems silly and pointless. Do you have any suggestions about stopping altogether or ways to persuade them to a Secret Santa exchange or something?”